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Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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Hi I was insured by PPS a professional insurer as a psychotherapist.

Customer Question

Hi I was insured by PPS a professional insurer as a psychotherapist. I had a claim made against me last year which was resolved in Dec. In Jan 2014 I realised that my insurance had lapsed (Nov13) and asked them to backdate it. They refused on the grounds of this one claim, I had been with them for 7 yrs and had no other claim and this one did not cost them anything. I have now received a legal document form this complainants solicitor and I have no insurance to cover this eventuality.
Submitted: 3 years ago.
Category: Law
Expert:  Ash replied 3 years ago.

Alex Watts : Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply, but rest assured I will be giving your question my immediate attention upon return You do not need to wait here as you will get an email when I reply.
Alex Watts : When you say the claim was resolved, by you or the insurers please?
JACUSTOMER-j6rn3x1u- :

Hi Alex, I answered the initial complaint myself and therefore made my insurance null and void. I accounted for myself at the hearing in December and the final outcome found some of the ethical complaints to be upheld (I admitted to them) and some not, those I disputed. I received no sanctions from my governing body the UKCP. It wasn't really a claim, it was an ethics hearing and no it was not even represented by the Insurers.

Alex Watts :

OK - so who has written to you?

Alex Watts :

The claim was settled by you privately?

JACUSTOMER-j6rn3x1u- :

Well I went to the hearing on my own and as I said it wasn't a claim, it was just a hearing and the outcome was a decision on my fitness to practice. A solicitor has written to me, Victoria Thackstone from hlw Keeble hawson. She is representing the person who brought the ethical complaint against me, she is vindictive. She is now saying that she is suffering from loss of earnings and psychological damage as a result of clinical negligence. My problem is the Insurers cancelling my policy when I needed it the most. I guess the underwriter say this claim coming.

Alex Watts : The hearing it was a professional hearing by the regulator?
JACUSTOMER-j6rn3x1u- :

It was a professional hearing organised by the UKCP

Alex Watts : Who resolved the claim the insurers?
JACUSTOMER-j6rn3x1u- :

As I've said 33 times now, it wasn't a claim, it was an ethical hearing, it is now a claim

JACUSTOMER-j6rn3x1u- :

sorry, 3 times

Alex Watts :

In short you had a hearing with the regulator, it turns out you were not insured and that insurance is being cancelled?

Alex Watts :

The reason is the claim?

JACUSTOMER-j6rn3x1u- :

In short, I had a hearing with the UK council for psychotherapy, I was insured but because I answered the complaint myself, insurance was voided. They wouldn't renew my insurance and now I have a claim against me.

Alex Watts : Does the insurance terms allow them to void it on this basis please?
JACUSTOMER-j6rn3x1u- :

I don't know, they said it was the broker who wouldn't renew

JACUSTOMER-j6rn3x1u- :

not the broker, the underwriter

Alex Watts : So it is not as if they stopped the policy they won't continue to renew it?